441 Conger St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 441 Conger St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,047 sqft · built 1903
Lot Size	0.157 acres (6,850 sqft)
Owner	2 Individual Names on File
Last Sale	$52,000 (Jan 2023)
Tax Bill	$824 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-23-204-002`

Property Details

APN / Parcel Number

Primary APN	`8913-23-204-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,047 sqft Living Area
1st Floor Area	1,047 sqft
Basement Area	524 sqft
Unfinished Basement	524 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	6,850 sqft (0.157 acres)
Lot Dimensions	137 ft deep x 50 ft wide
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	441 CONGER ST
City	WATERLOO
State	IA
Zip	50703-3657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICKER AND BRATNOBER LAND CO ADD LOT 7 BLK 6
Legal Range	13W
Legal Township	89N
Legal Section	23
Legal Subdivision	RICKER AND BRATNOBER LAND CO
Legal Block	6
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2012
Census Tract	500

Owner

Source: Black Hawk County records · APN 8913-23-204-002

Assessment roll updated October 17, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2534 EDGEMONT AVE, WATERLOO, IA 50702-5227
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 03, 2023 · Amount on Record
Deed Sale	Jan 03, 2023 · Amount on Record
Prior Sale	Mar 12, 2010 · Amount on Record
Deed Document Number	20239635
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 03, 2023
Property Address	441 CONGER ST, WATERLOO, IA 50703-3657
Document Number	202300009635
Instrument Date	Nov 23, 2022
Instrument	202300009635
Transaction Type	Transfer
Record Updated	Feb 03, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$82.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	441 CONGER ST, WATERLOO, IA 50703-3657

Mortgage

Document Number	202300009636
Date	Jan 03, 2023
Instrument	202300009636

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Feb 01, 2028
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year T-Bill
Max Rate	13.5%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$824.00	$53,710 (+41.49%) Land $6,440 Building $47,270	$53,710 (+41.49%) Land $6,440 Building $47,270
2024	$824.00 (+16.06%)
2023		$37,960 (+17.56%) Land $6,440 Building $31,520	$37,960 (+17.56%) Land $6,440 Building $31,520
2022	$710.00	$32,290 Land $6,440 Building $25,850
2021			$32,290 Land $6,440 Building $25,850

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), as of September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130005002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	10 (1998–2016)
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 6 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AMG Technology Investment Group, LTD Broadband, T-Mobile USA.

Based on FCC filings for 568 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IA0790074, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.